FICO vs eBay
This page compares FICO and eBay, examining business models, financial performance, and market context. It presents neutral, accessible information to help readers understand how these organisations operate within their sectors. Educational content, not financial advice.
This page compares FICO and eBay, examining business models, financial performance, and market context. It presents neutral, accessible information to help readers understand how these organisations o...
Why It's Moving
FICO Beats Q1 Estimates but Shares Dip on Conservative Full-Year Guidance
- Scores revenue surged 29% to $304.5 million, fueled by higher mortgage origination volumes and pricing, highlighting robust demand for advanced FICO scoring models.
- Software segment posted modest 2% growth to $207.5 million, with platform ARR leaping 33% on record annual contract value bookings and SaaS momentum.
- Jefferies reaffirmed Buy rating citing oversold conditions and undervaluation, as analysts eye FY2026 upside despite reiterated conservative guidance.
eBay Gears Up for Earnings with AI Policy Shift and Analyst Optimism Fueling Momentum
- Analysts spotlight eBay's Earnings ESP of +1.16% paired with Zacks Rank #3, signaling high odds of another EPS beat after recent surprises of 2.26% and 5.38%.
- Citizens analyst reiterated 'Outperform' on January 28 with a $115 target, reflecting confidence in accelerating Gross Merchandise Volume and strategic category focus.
- New policy bans external AI chatbots for purchases to protect auction trust, as CEO hints at in-house agentic experiences to boost user engagement.
FICO Beats Q1 Estimates but Shares Dip on Conservative Full-Year Guidance
- Scores revenue surged 29% to $304.5 million, fueled by higher mortgage origination volumes and pricing, highlighting robust demand for advanced FICO scoring models.
- Software segment posted modest 2% growth to $207.5 million, with platform ARR leaping 33% on record annual contract value bookings and SaaS momentum.
- Jefferies reaffirmed Buy rating citing oversold conditions and undervaluation, as analysts eye FY2026 upside despite reiterated conservative guidance.
eBay Gears Up for Earnings with AI Policy Shift and Analyst Optimism Fueling Momentum
- Analysts spotlight eBay's Earnings ESP of +1.16% paired with Zacks Rank #3, signaling high odds of another EPS beat after recent surprises of 2.26% and 5.38%.
- Citizens analyst reiterated 'Outperform' on January 28 with a $115 target, reflecting confidence in accelerating Gross Merchandise Volume and strategic category focus.
- New policy bans external AI chatbots for purchases to protect auction trust, as CEO hints at in-house agentic experiences to boost user engagement.
Investment Analysis
FICO
FICO
Pros
- Fair Isaac (FICO) reported a 15.91% revenue increase to $1.99 billion in 2025, reflecting strong growth momentum.
- Net income rose 27.13% to $651.95 million in 2025, highlighting improving profitability.
- Analyst consensus strongly favours the stock with a 'Buy' rating and an average price target suggesting roughly 23-24% upside.
Considerations
- FICO’s price-to-earnings (P/E) ratio is relatively high at around 63, indicating a premium valuation that may limit near-term upside.
- The company does not currently pay a dividend, which may deter income-focused investors.
- FICO's beta of 1.3 suggests higher volatility compared to the broader market, implying increased investment risk.
eBay
EBAY
Pros
- eBay has a large, global online marketplace platform benefiting from robust consumer and seller activity.
- The company has demonstrated consistent revenue streams supported by marketplace fees and advertising services.
- eBay has continued to invest in technology and AI to improve user experience and drive marketplace efficiency.
Considerations
- The e-commerce sector is intensely competitive, with eBay facing pressure from giants like Amazon and Walmart.
- Growth rates may be constrained given increased advertising spend and investments, which could pressure margins.
- eBay is exposed to regulatory risks globally, including consumer protection and data privacy laws that could increase compliance costs.
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FICO (FICO) Next Earnings Date
Fair Isaac (FICO) is scheduled to report its next earnings for the second quarter of fiscal 2026, covering the period ended March 31, 2026, on May 5, 2026. This follows the recent Q1 fiscal 2026 release on January 28, 2026. Investors should anticipate the conference call details to be confirmed closer to the date.
eBay (EBAY) Next Earnings Date
eBay Inc. is scheduled to report its Q4 2025 earnings on February 25, 2026, which is approximately three weeks from today. This earnings announcement will cover the fourth quarter and full fiscal year 2025 results. The company has historically reported earnings results after market close on this date based on its established reporting calendar. Investors should anticipate the earnings call and detailed financial statements to be released on or shortly after this date.
FICO (FICO) Next Earnings Date
Fair Isaac (FICO) is scheduled to report its next earnings for the second quarter of fiscal 2026, covering the period ended March 31, 2026, on May 5, 2026. This follows the recent Q1 fiscal 2026 release on January 28, 2026. Investors should anticipate the conference call details to be confirmed closer to the date.
eBay (EBAY) Next Earnings Date
eBay Inc. is scheduled to report its Q4 2025 earnings on February 25, 2026, which is approximately three weeks from today. This earnings announcement will cover the fourth quarter and full fiscal year 2025 results. The company has historically reported earnings results after market close on this date based on its established reporting calendar. Investors should anticipate the earnings call and detailed financial statements to be released on or shortly after this date.
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